No OC here. You can carry in a bank. If you do not have reciprocity you should keep the gun in a console or glovebox while driving. It can be loaded.
With reciprocity you may have the gun on you in the car or in the console or glovebox but not out in the open or under the seat.
You may not carry into a public building such as a library. No government buildings either.
Have I forgot anything? Someone else will chime in.